TIJORAT BANKLARIDA INNOVATSION XIZMATLARNING MONETIZATSIYA SAMARADORLIGINI BAHOLASHNI TAKOMILLASHTIRISH
Keywords:
tijorat banki, innovatsion bank xizmatlari, monetizatsiya, to‘liq monetizatsiya koeffitsiyenti, innovatsion aktivlar, bilvosita iqtisodiy samara, kapitalning muqobil qiymati, moliyaviy samaradorlik.Abstract
Ushbu maqolada tijorat banklarida innovatsion xizmatlarning monetizatsiya samaradorligini baholashning nazariy va amaliy jihatlari tadqiq etilgan. Innovatsion xizmatlardan olinadigan bevosita daromad, ularning bank resurs bazasiga ta’siri natijasida shakllanadigan bilvosita iqtisodiy samara hamda kapitalning muqobil qiymatini kompleks hisobga olishga asoslangan to‘liq monetizatsiya koeffitsiyentidan (TMK) foydalanish yondashuvi asoslangan. 2021– 2025-yillar ma’lumotlari asosida Turonbank va ayrim tijorat banklarining TMK ko‘rsatkichlari qiyosiy tahlil qilingan. Tadqiqot natijalariga ko‘ra, Turonbankda TMK 2023-yildagi –0,035 dan 2025-yilda 0,237 gacha oshib, belgilangan 0,15–0,35 maqbul diapazonga kirgan. Olingan natijalar innovatsion aktivlarning moliyaviy qaytimini baholashda bevosita va bilvosita monetizatsiya kanallarini o‘zaro bog‘liq holda hisobga olish zarurligini ko‘rsatadi.
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